VIRGINIA BEACH, Va. (WVEC) -- It is the first official day of summer and with a busier-than-normal hurricane season expected, should you purchase trip insurance along with your vacation?

Meteorologist Iisha Scott sat down with a travel expert to find out.

“It is the one and only thing that will protect you if a storm does come or hits your hometown or if it’s going to hit where you’re traveling to,” said Terry Flowers, travel agent with Travel Leaders in Virginia Beach.

She says she has seen an increase in trip insurance purchases due to the busier-than-normal hurricane season forecasts.

“They are purchasing it at the time of deposit to protect themselves at the beginning of their purchase.”

But, there’s another catch. “The biggest thing, especially with hurricane season, is you have to have trip insurance in place before a storm has a name,” Terry says. “Once the storm has a name, you can’t get it.”

Terry also says it’s best to get a policy that you can use to cancel at any time and for any reason.

In the event of a medical emergency, and you have to be flown back home, you’re covered.

“If you do not have the trip insurance it can cost well above $20,000 just to be flown back home,” Terry said.

If you’re worried about the cost: “It’s much less expensive than if you had to pay for those expenses out-of-pocket,” said Terry.

Per NOAA’s forecast, there will be 11-17 named storms, five to nine hurricanes and two to four major hurricanes.